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Personal loans in Flaxville, MT

A personal loan in Flaxville is a fixed-term installment product, and the price a lender offers you is driven by your credit profile, income and existing debts. Flaxville's Census population of roughly 60 makes it the 125th-largest of 127 places in Montana. The sourced table below shows the Montana rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Flaxville at a glance

  • Population: the Census estimates 60 residents, ranking 125th of 127 places in Montana (Vintage 2023).
  • 2020 Census base: 61 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: a decline of roughly 1.6% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Montana places: 125th in population of 127 places (US Census Bureau).
  • Size percentile: larger than about 2% of the Census places in Montana (US Census Bureau).
  • Coordinates: 48.8045 latitude, -105.1736 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Scobey, MT (11 mi); Outlook, MT (19 mi); Plentywood, MT (28 mi); Medicine Lake, MT (37 mi); Froid, MT (45 mi); each population is a US Census Bureau estimate.
  • Smaller places nearby: Fortuna, ND (64 mi); Ambrose, ND (78 mi); Alamo, ND (79 mi), per US Census Bureau estimates.

What a personal loan costs in Flaxville

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

Montana lending rules that apply in Flaxville

The sourced rows below are the rules a licensed lender must follow when lending in Montana, and therefore in Flaxville.

RuleDetailSource
Deferred deposit loan license requirement (MCA 31-1-705)A person may not engage in or offer to engage in the business of making deferred deposit loans unless licensed by the department
Source says: "A person may not engage in or offer to engage in the business of making deferred deposit loans unless licensed by the department."
Montana Legislative Services Division (Montana Code Annotated)
as of 2026-09-16
Maximum legal interest rate (usury cap)Greater of 15% or prime rate + 6 percentage points per year (written agreement); regulated lenders exempt
Source says: "Parties may agree in writing to the payment of any rate of interest that does not exceed the greater of 15%"
Montana Legislative Services Division (Montana Code Annotated)
as of 2026-09-16
Payday lending statusLegal; deferred deposit lenders must be licensed; fee capped at 36% per annum
Source says: "A licensee may not charge a fee for making or carrying each deferred deposit loan authorized by this part that exceeds 36% per annum"
Montana Legislative Services Division (Montana Code Annotated)
as of 2026-09-16
Small-loan / installment lender licensingConsumer loan license required under the Montana Consumer Loan Act (32-5-101); licensing through NMLS
Source says: "A consumer loan license is needed to engage in business as defined in the Montana Consumer Loan Act"
Montana Department of Administration, Division of Banking and Financial Institutions
as of 2026-09-16
State lending regulatorMontana Division of Banking and Financial Institutions (BFID), Department of Administration
Source says: "The Montana Division of Banking and Financial Institutions (Division) does all of its licensing through the Nationwide Multistate Licensing System (NMLS)."
Montana Department of Administration, Division of Banking and Financial Institutions
as of 2026-09-16

How to compare offers in Flaxville

These steps are the ones that most affect the offer you receive in Flaxville:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Montana using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Flaxville?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Flaxville are the same as elsewhere in Montana.
How much can I borrow with a personal loan in Flaxville?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Flaxville require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Flaxville hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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